The online gaming on PS3 doesn't bother me. After using both services and even when the Xbox service is better I got all my multiplaform games for the PS3 and online gaming is just as good. For me the differences are a stronger community and a lot of headsets on the 360.

Do you have to pay to play games online? If so how much is the 1 year subscription?

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You will have to pay for it but it will be more than worth it! The online is fine and I have never had issues but it will only get better. Plus you get free games! And the games are pretty awesome most of the time!

Online gaming is not free anymore. Atleast for next gen it wont be. You can still play the PS3 for free and the free games that will be on the PS4. For me I had no problems playing on the PS3 and didnt have a better experience when I played on the 360. Its just they have a better hub thing where everything looks better, but at the end of the day you are still playing the game online and it feels the same. Its probably going to feel the same on the PS4 just the whole menu thing will be nicer.